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08-02-2011, 10:26 AM
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#1
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Junior Member
Join Date: Jul 2011
Posts: 16
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Insurance coverage -- again
2006 Quig conversion, 6.0, with boat loads of bullet proof, aftermarket engine & drive train products, now prepared to start the SMB camper conversion process. Insurance Co's all want an APPRAISAL in order to get stated value replacement coverage. Who out there does Professional Appraisals? I am located in Cave Creek, AZ. Also note that I am a licensed & credentialed insurance adjuster and feel sorry for any carrier adjuster who may stub their toe while adjusting a claim with me, family or a friend. Remember that if a carrier binds coverage, they are on the hook for your vehicle, especially if the carrier has been presented with documentation indicating aftermarket upgrades.
Professional Appraisers wanted asap, thank you.
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08-02-2011, 11:13 AM
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#2
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Senior Member
Join Date: Nov 2010
Location: California
Posts: 1,012
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Re: Insurance coverage -- again
I insure with AAA. My stock 2006 E-350 was insured before the SMB conversion (RB-50 + 4X4). I provided them with evidence (invoices) of the modifications costs and they took a few pictures. The good news was the insurance premium dropped $183/year. Very simple process.
__________________
2006 E350 6.0PSD 5R110, SMB 4X4, RB-50, ARB lockers front/rear, Aluminess galore, AMP steps.
Callsign KK6GIY
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08-02-2011, 11:21 AM
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#3
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Senior Member
Join Date: Jan 2009
Location: Corvallis, OR
Posts: 5,300
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Re: Insurance coverage -- again
State Farm had me bring my van in to my agents office for an appraisal.
__________________
2000 E450 dually V10 wagon
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08-02-2011, 11:26 AM
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#4
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Senior Member
Join Date: Apr 2007
Location: Parker, CO
Posts: 7,643
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Re: Insurance coverage -- again
Farmers- nothing, Progressive- nothing for van or the Jeep (both stated value). They'll make me provide documentation for every bolt and nut, no doubt, but up front they required nothing.
__________________
it was good to be back
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08-02-2011, 11:43 AM
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#5
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Junior Member
Join Date: Jul 2011
Posts: 16
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Re: Insurance coverage -- again
Great feedback so far folks, but we are seeking an APPRAISER please. Thank you.
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08-29-2011, 10:52 AM
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#6
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Senior Member
Join Date: Aug 2010
Location: Taylor, Mississippi
Posts: 1,648
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Re: Insurance coverage -- again
Been paying State Farm faithfully for 14 years... no claims. Made 2 calls and one walk-in visit to agent to get my 16 yr old SMB covered as something more than just a van. Got no response or even a call back to say "no" over the course of a month.
Got on this Forum, searched insurance stuff, had a mail card from Geico, thought I'd give them a shout based on all their boasts about price/service. Got 'em on the phone...explained trying to cover van as an RV (plus my other auto)... talked w/ 3 separate, very nice folks all of whom said "we can do it", the last one said gonna get a specialist to call me back in 20 minutes. Two days, no call
Got back on the forum... read about Good Sam/GMAC. Called 'em up. Yep, they totally got the picture, do it all the time. Age of van did not allow "declared value", but would assess and properly value as an RV/SMB conversion in the event of a loss. Both drivers, both vehicles, exact same coverages on liability was $668/yr V $1090/yr that I had blindly been paying my golf playin'/steak eatin' State Farm dude.
Thankya SMB forum!
P.S. I explained all this, 'specially the "no call back" part to our State Farm regional supervisor. He said he'd "follow up"
__________________
'95 SMB E350 Quigley 7.3
https://www.taylorarts.com
... If you have to ask, you'll never understand...
"... torpedo'd, because we don't generally cotton to bullshit around here." -jage
"... do they ooch apart in the night?" -Dia
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08-29-2011, 11:20 AM
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#7
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Senior Member
Join Date: May 2011
Posts: 1,005
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Re: Insurance coverage -- again
No issues with State Farm here, just showed them the original build sheet/invoice from 2002.
__________________
Sportsmobile-less.
"A job worth doing is worth doing at least twice."
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08-29-2011, 01:03 PM
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#8
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Senior Member
Join Date: Jan 2011
Location: Pocatello, ID
Posts: 290
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Re: Insurance coverage -- again
I also had no issues with State Farm. Explained over the phone what it was and what features it had and that it was classified as a class B RV. I pay under $700 per year.
Mike
__________________
2006 Ford E350 6.0 PSD, RB 50, 4x4
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08-29-2011, 04:32 PM
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#9
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Site Team
Join Date: Jun 2011
Location: Santa Fe, NM
Posts: 1,202
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Re: Insurance coverage -- again
Could anyone w/state farm PM me w/their policy names or appropriate identifiers? I haven't gotten a good response from my agent's office & I'd like some details when I talk w/him. I haven't pushed yet because delivery is a ways away ydt & I have an attractive possibility from Progressive. I'm parti ularly interested in full replacement coverage. Thanks.
__________________
-Don-
Life and baseball both sometimes are not fair, but it is how you play the hops that counts. —Scott Miller, NYT Sports
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08-29-2011, 05:42 PM
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#10
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Senior Member
Join Date: Aug 2010
Location: Taylor, Mississippi
Posts: 1,648
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Re: Insurance coverage -- again
ummm, GoodSam/GMAC has full replacement coverage available for 6 YEARS if you start new with them... might be worth the looksee.
__________________
'95 SMB E350 Quigley 7.3
https://www.taylorarts.com
... If you have to ask, you'll never understand...
"... torpedo'd, because we don't generally cotton to bullshit around here." -jage
"... do they ooch apart in the night?" -Dia
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